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Flood insurance cost · ZIP 78418 · TX

Flood insurance cost in ZIP 78418 (Corpus Christi, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,346 home policies in force on August 31, 2026.

ZIP code 78418 (Corpus Christi, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,451a year

Half of insured homes paid between $1,047 and $2,046. That is 40% more than the Nueces County median ($1,035). Most insured homes here are rated in zone AE (78%).

$0$1,047 · $1,451 · $2,046$2,558
+7.2% vs Aug 31, 2025 (median $1,354)
6,346home policies in force
$1,646average cost (mean)
79%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in ZIP code 78418

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$693$574–$888$89457 (1%)−3.2%
Zone AE
High risk		$1,665$1,260–$2,272$1,8534,939 (78%)+8.5%
Zone X
Moderate to low risk		$869$628–$1,176$9181,349 (21%)+1.9%

Not shown (fewer than 10 home policies): A, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in ZIP code 78418, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home5,484$1,541$1,743
2–4 unit building258$1,077$1,321
Condo or apartment unit595$769$906
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		158$4,868$5,413
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		216$2,688$3,013

Not shown (fewer than 10 policies): manufactured (mobile) home.

6,720NFIP policies in force, any building
8,258insured units (condo association policies count every unit)
82%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 78418

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force6,6286,346−4.3%
Median annual cost$1,354$1,451+7.2%
Average annual cost$1,529$1,646+7.7%
All policies in force (any building)7,0196,720−4.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 78418 have filed 1,003 flood claims. 409 received a payment, for a total of $6,593,023 (an average of $16,120 per paid claim). The year with the most claims was 2017 (398 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 30 claims, 21 paid, $64,510 in total1980: 118 claims, 79 paid, $674,948 in total198019801985: 11 claims1988: 14 claims19901991: 32 claims, 28 paid, $254,087 in total1997: 39 claims, 26 paid, $265,810 in total1998: 18 claims, 11 paid, $96,713 in total1999: 36 claims20002001: 15 claims2002: 22 claims, 12 paid, $89,599 in total2004: 14 claims, 10 paid, $82,266 in total2007: 13 claims2008: 14 claims20102015: 28 claims, 17 paid, $134,728 in total2016: 42 claims, 25 paid, $859,516 in total20162017: 398 claims, 82 paid, $2,104,416 in total20172018: 10 claims2019: 15 claims, 10 paid, $243,888 in total2020: 20 claims20202021: 17 claims2024: 20 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202420<10––
202117<10––
202020<10––
20191510$243,888$24,389
201810<10––
201739882$2,104,416$25,664
20164225$859,516$34,381
20152817$134,728$7,925
200814<10––
200713<10––
20041410$82,266$8,227
20022212$89,599$7,467
200115<10––
199936<10––
19981811$96,713$8,792
19973926$265,810$10,223
19913228$254,087$9,075
198814<10––
198511<10––
198011879$674,948$8,544
19793021$64,510$3,072

From 2016 to 2026: 522 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

NFIP communities in this ZIP code

Corpus Christi (6,069 home policies) · Unincorporated Nueces County (275 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.